Domestic Travel Insurance

Visiting family or friends within New Zealand or taking off for a quick getaway? Get covered with our New Zealand Domestic Travel Insurance.

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"Amazing Overseas Support"
— Dawn Oct 07, 2019

What is Domestic Travel Insurance?

Domestic Travel Insurance is designed for trips taken within New Zealand. Unlike many other providers, 1Cover offers protection for domestic trips when you’re travelling only 100KM away from your home. 

Domestic travel insurance covers you for things like trip cancellation, rental car excess, losing your luggage and family emergencies. However, it’s important to note that domestic travel insurance doesn’t cover medical expenses.   
 

benefits of Domestic Travel Insurance

With every domestic travel insurance policy, you’ll get the following benefits while travelling in New Zealand. All benefits listed below are subject to terms and conditions within the PDS

For full details on what our policies cover, see our travel insurance coverage page.

Rental Vehicle Excess

Domestic Rental car Excess

If something goes wrong with your domestic rental car, you won't be stung with an expensive excess from the rental car company.

Unlimited Cancellation

Unlimited
Cancellation

Just because it’s a domestic holiday, it doesn’t mean it’s cheap. Cancellation cover can help if you need to change your plans.

Luggage and Personal Items

Luggage and Personal Items

 Things can still get lost when you’re travelling in New Zealand. That’s why we cover for up to $15,000 worth of luggage and personal effects.

Unexpected Travel Delays
  • Travel
    Delays 

    Your journey could be delayed by events outside of your control - like weather, or bushfires -  so we provide cover for additional accommodation and meal expenses.

This page was last updated on: 27 February 2020

Customise your domestic travel insurance

Cruise Pack

Domestic Cruise Pack 

People often think cover isn’t needed for domestic cruise, but publicly funded healthcare won’t cover you once you leave New Zealand waters - not to mention missed departures and cabin confinement. See PDS for full details.

Winter Sports Pack

Domestic Winter Sports Pack

Whether it’s Thredbo, Perisher, or Falls Creek, you may want to add the Winter Sports Pack to your policy to make sure you’re insured for ski sports in New Zealand. See PDS for full details.

Rental Car Cover

Additional rental Vehicle Excess

Road trips are part of the New Zealand experience. We cover rental vehicle excess up to up to $5,000. But you can choose to increase this amount up to $8,000.

 

 

Table of Benefits - Domestic Travel Insurance

Explore our table of benefits below to see the policy benefits provided by our Domestic travel insurance policies. To find out more about our Domestic travel insurance policies, see the PDS or get an instant quote now

Domestic Travel Insurance Policy Benefit Domestic Travel Insurance
Single Trip
Domestic Travel Insurance
Frequent Traveller Annual
Medical - domestic Travel Insurance
   

Overseas Emergency Medical Assistance^

X

X

Overseas Emergency Medical & Hospital Expenses^*

X X

Includes Dental Expenses (per adult)^

X

X

Resumption Of Journey^*

X

X

Hospital Cash Allowance^*

X

X

Accidental Death*

$25,000

$25,000

Permanent Disability^*

X

X

Loss of Income^*

X

X
luggage - domestic Travel Insurance
   

Credit Card Fraud & Replacement^

X

X

Includes Travel Documents & Traveller's Cheques^

X

X

Theft Of Cash^#

X

X

Luggage & Personal Effects*

$15,000

$15,000

Luggage & Personal Effects Delay Expenses^

X

X
cancellation - domestic Travel Insurance
   

Additional Accommodation & Travel Expenses*

$50,000

$50,000

Includes Family Emergency*

Yes

Yes

Includes Emergency Companion Cover*

Yes

Yes

Cancellation Fees & Lost Deposits*

Unlimited

Unlimited

Disruption Of Journey*

$2,000

$2,000

Alternative Transport Expenses^

X

X
ancilliary - domestic Travel Insurance
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

X

X

Domestic Services^*

X

X

Rental Vehicle Insurance Excess#*

$5,000

$5,000

 

Get a quote

 

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    Had to make a claim when my wife took ill & had to visit a doctor in the USA. Put a claim in back home ... accepted and paid within two weeks.

    By Kevin, Feefo User

  • "Exceptional Speed In Response To A Claim"

    First time I've had to make a claim. Speed of process was quite unbelievable.

    By Anon, Feefo User

FAQs: domestic Travel Insurance

  • Why do i need Domestic Travel Insurance?
  • Travelling within your home country may be easier in some ways than travelling overseas, but plenty of things can still go wrong. Your items can still get damaged or stolen. You still might need to cancel your trip, you might need to go home early if a family member is unwell, or your rental vehicle might get stolen or damaged.

  • What constitutes as a domestic trip?
  • Unlike many other insurers, 1Cover offers domestic cover for trips that are only 100KM away from your home.

  • What if I take frequent domestic trips around New Zealand?
  • If you take frequent Domestic Trips, you might want to consider a Frequent Traveller Policy. This is a convenient way to save time and potentially money, if you travel regularly around New Zealand. Find out more about Annual or Frequent Traveller policies.

  • Does Domestic Cover include Medical Assistance?
  • While you are in New Zealand, we are unable to cover any domestic medical expenses. As a travel insurer, we can't take the place of health insurance. There is legislation in place to prevent this. If you are an New Zealand permanent resident or citizen, you will likely have access publicly funded healthcare or your private health insurance.

  • Do seniors qualify for Domestic Insurance?
  • We offer cover for all ages. Depending on your age, we may require a little more information, and certain exclusions may apply. See our Seniors Travel Insurance page for more details.

  • Are there any exclusions for Domestic Cover?
  • Domestic medical expenses are excluded, as well as a list of general exclusions that are listed in the PDS. These general exclusions include, but are not limited to: not acting in a responsible way to protect yourself, being intoxicated, or breaking the law. See the PDS for the full list.

  • Does Domestic travel insurance cover adventure activities?
  • 1Cover provides coverage for 100+ activities. While any medical costs arising from domestic activities can’t be covered, you may be covered for if you need to forfeit pre-paid fees or deposits if you're unable to travel. The reason we can’t cover medical costs is that we can't take the place of domestic health insurance. There is legislation in place to prevent this.

  • Are kids covered for free on domestic policies?
  • Dependants are covered for no extra cost, so you have added peace of mind when you take the kids and grandkids and see what New Zealand has to offer. Please note that dependant children are classed as under 19 and travelling with their parents or grandparents for their whole trip. Please see the PDS for limits and exclusions, as well as all terms and conditions.

  • Is There An Excess On My Domestic Travel Insurance?
  • There is a $200 excess that is applicable per event per claim. 

  • Am I Covered if i’m taking a domestic cruise?
  • If you are travelling in New Zealand waters on a cruise liner you will need to purchase our Cruise Pack add-on with your policy, selecting 'New Zealand Cruise' for your region.

    This will ensure you are covered for emergency medical assistance and emergency medical and hospital cover, cancellations, missed departure and more. See our Cruise Travel Insurance page for more information.

  • Do I Still Need Rental Vehicle Insurance?
  • Please be aware the rental vehicle excess benefit does not take the place of Rental Vehicle insurance. You have provision to claim for a reimbursement of up to $5,000 (unless you have opted to increase your excess) for any excess or deductible which you become legally liable to pay under your Rental Vehicle hiring agreement, if the Rental Vehicle is involved in an accident while you are driving, or is damaged or stolen while in your custody.

READ ALL FAQS

 

Want to know More about...

Skiing Domestically?

First, you might want to add the Ski Pack to your travel insurance policy. Then you should read our Skiing In New Zealand guide for everything you need to know about skiing Down Under. 

100+ Activities covered

Travelling means doing...especially in New Zealand! Luckily we 100+ activities. You can have fun while you’re away, and still have peace of mind. 

Cruising Domestically?

First you'll need Cruise cover. Then you should read our cruising guide, which tells you the when, where and what of having the best cruise holiday ever. 

 

 

Still Need Some Help? 

If you have any other questions or queries, please send us a message via our Contact Us page. 
If you are experiencing an emergency, please use the details on our Emergency Assistance page